Loading...
•
Dec 31, 2025
SLM Q4 2025 Earnings Report
SLM reported strong Q4 2025 results with robust net income, continued loan sales, and improved efficiency.
Key Takeaways
Sallie Mae delivered a solid performance in Q4 2025, with net income of $229 million and EPS of $1.12. Loan originations and sales remained strong, while efficiency improved. The company continued to return capital to shareholders through dividends and repurchases.
Forward Guidance
Sallie Mae projects moderate EPS and loan growth for 2026, while expecting stable charge-offs and higher expenses.
Positive Outlook
- 2026 EPS guidance: $2.70–$2.80
- Loan originations expected to grow 12%–14%
- Net charge-offs forecasted in a stable range
- Capital return expected to continue through repurchase programs
- Resilient credit performance despite portfolio mix shifts
Challenges Ahead
- Non-interest expenses projected to rise to $750M–$780M
- Higher delinquency rates expected due to portfolio mix
- Modest increase in NCOs due to strategic loan sales
- Operating leverage could be pressured by higher costs
- Guidance depends on favorable macroeconomic conditions
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...